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Credit Cards » Compare Gift Cards

Gift cards are getting cheaper to buy and they offer more protections. That's the conclusion drawn from Bankrate's 2015 Gift Card Survey, which found a decline in the number of cards that charge purchase fees and an increase in the number of cards that offer loss and theft protection.

Gift card with gold bow in a box © iStock

Using data we collected Sept. 14-21, 2015, we looked at the terms and features of 60 different gift cards, including general purpose cards, store-branded retail cards, restaurant cards, airline cards and gas station cards.

Using the chart below, you can compare these cards to find the one that suits your needs based on factors such as the amount you can load onto the card or whether it can be purchased on and downloaded to a smartphone. This way, everyone comes out a winner this season.

Select card features:
  • Expires
  • Inactivity fee
  • Loss/theft protection
  • PIN available
  • Reloadable
  • Mobile/e-card
  • Online balance check
  • Card shipped free
  • Purchase fees
  • Rewards

  • Chevron/Texaco

    • Loading limits: In store: $25-$100. Online or by phone: $5-$100.
    • Reloadable at gas stations, but not online.
    • When purchasing the $5 GC, it must be purchased in a pack of 10.
    • Shipping fee: USPS: $2.95. FedEx ground: $8.95. 3-day express: $10.95. 2-day air: $14.95. Next-day air: $21.95.
    • Purchase fee: $0.50 for the $10, $15, $20 cards.
    • Processing fee: Up to 3.95% for any order.
  • Citgo

    • Loading limits: $5-$300.
    • Card can be reloaded only 5 times.
  • Exxon Mobil

    • Loading limits: $25, $50, $100.
    • Shipping fee: USPS: $2.95.
    • Purchase fee (processing fee): 3.95% of gift card amount.
  • Pilot Travel Center

    • Loading limits: $1,000 maximum.
    • Cards can be purchased over the phone or in store only.
  • Shell

    • Loading limits: $10-$300.
    • Website says: "Except in certain circumstances, the value of this card will not be replaced if the card is lost, stolen or destroyed."



Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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